The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$47,167
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,634
−HK$1,490/mo
Today · 4.125%
HK$50,124
baseline
▲ 0.50% · 4.625%
HK$53,174
+HK$3,050/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$100,248/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,472
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,880
−HK$1,427/mo
Today · 4.125%
HK$55,307
baseline
▲ 0.50% · 4.625%
HK$58,223
+HK$2,916/mo
Deposit HK$10.34M · loan HK$10.34M · min. income ≈ HK$110,614/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$818,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,600
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,361
−HK$1,788/mo
Today · 4.125%
HK$60,149
baseline
▲ 0.50% · 4.625%
HK$63,809
+HK$3,660/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$120,298/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,967
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,656
−HK$1,713/mo
Today · 4.125%
HK$66,369
baseline
▲ 0.50% · 4.625%
HK$69,867
+HK$3,498/mo
Deposit HK$8.27M · loan HK$12.41M · min. income ≈ HK$132,738/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$818,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,033
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,087
−HK$2,087/mo
Today · 4.125%
HK$70,174
baseline
▲ 0.50% · 4.625%
HK$74,444
+HK$4,270/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$140,348/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$818,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,461
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,432
−HK$1,998/mo
Today · 4.125%
HK$77,430
baseline
▲ 0.50% · 4.625%
HK$81,512
+HK$4,082/mo
Deposit HK$6.21M · loan HK$14.48M · min. income ≈ HK$154,860/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$818,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,900
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,541
−HK$2,683/mo
Today · 4.125%
HK$90,224
baseline
▲ 0.50% · 4.625%
HK$95,714
+HK$5,490/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$180,448/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,450
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,984
−HK$2,569/mo
Today · 4.125%
HK$99,553
baseline
▲ 0.50% · 4.625%
HK$104,801
+HK$5,248/mo
Deposit HK$2.07M · loan HK$18.62M · min. income ≈ HK$199,106/mo (50% DSR)
Upfront cash ≈ HK$2.89M (deposit + AVD stamp duty HK$818,483 · Scale 2, in force from 26 Feb 2026)